We are in the process of transitioning to a new system now through January 2019. Once on the new system, you will need to access the new member portal as outlined below. If you recently had Open Enrollment and received a new ID card, that Indicates you have transitioned to the new system.

Non-transitioned Members You have not received communication about the transition and your new member ID card

Transitioned Members You have received communication about the transition and your new member ID card

Welcome to the new online producer portal. You will be redirected to the new portal system where you can login.

Not on the new portal yet? Need to view plan changes or application status for members who have not been migrated to the new system? Continue to THOR ››

we are in the process of launching a new employer portal to help you manage your group health benefits.

All employer will have access by January 2019.

if you have received communication about the new employer portal, log in with your username and password.

Health Care Reform

Key Provisions of the Affordable Care Act (ACA)

Guaranteed Issue:

All individuals will be able to purchase coverage regardless of health status.

Health Insurance Marketplace

Individuals will be able to purchase individual health coverage on public exchanges called the Health Insurance Marketplace. These exchanges will offer a variety of health plans identified by metal tiers based on their actuarial value.

Benefit Standards

Qualified health plans sold on the Health Insurance Marketplace are required to cover the essential benefits. The law also requires that an employee's contribution to the group premium not exceed 9.69% of his or her income.1

Consumer Subsidies

Two types of subsidies will be available to eligible individuals:

Premium subsidies for individuals with household incomes at or below 400% of federal poverty level (FPL)2.

Cost-sharing subsidies to help with immediate out-of-pocket costs for those below 250% of the FPL.

Coverage is Mandated for Large Groups

All employers with 50 or more full-time equivalents are required to offer affordable coverage to full-time employees. The employer mandate became effective January 1, 2015.

Employer Penalties

All employers with 50 or more full-time equivalents must provide adequate, affordable health benefits to employees or pay a $2,260 penalty per full-time employee per year. Employers with fewer than 50 full-time equivalents can offer health benefits or send their employees to the Health Insurance Marketplace, with no regard to penalties.

1) If standards are not met, the employee is eligible for subsidies and the employer pays a $3,390 penalty per employee receiving marketplace subsidies